Shoreline Erosion Loan Program
The Shoreline Erosion Loan Program funds living shoreline projects by the Maryland Department of Natural Resources to combat erosion and restore coastal habitats using nature-based solutions.
Funder: Maryland Department of Natural Resources
Due Dates: December 11, 2026 (rolling basis through this date)
Funding Amounts: Up to $1,000,000 per project; zero-interest loans with 5–20 year terms; awards based on availability of funds.
Summary: Supports nature-based living shoreline projects to protect waterfront property and enhance wildlife habitat along Maryland’s shorelines.
Key Information: Applications accepted via Google Form; site visit with DNR required before applying.
Description
The Shoreline Erosion Loan Program, administered by the Maryland Department of Natural Resources (DNR), provides technical and financial assistance for projects that use nature-based living shoreline techniques to address shoreline erosion and enhance wildlife habitat. The program’s primary goal is to support the planning, design, and implementation of living shorelines that reduce erosion, safeguard infrastructure, and improve habitat quality along Maryland’s coastal areas. This initiative reflects DNR’s commitment to building resilient ecosystems and communities in the face of climate change, sea level rise, and increased storm and flooding events.
The loan program is distinct from DNR’s other grant programs and is specifically targeted at nature-based shoreline stabilization—not structural solutions like bulkheads or seawalls. Loans are zero-interest, with flexible terms, and are secured by a lien or taxing district depending on applicant type.
